I am not interested in debt settlement companies. Is there any help out there for me ?
Perhaps I should be a little clearer regarding what it is I need. I am not interested in debt settlement companies or fraudulent lenders whose only means of contact is an email address. I am aware that with my low score I cannott qualify for a loan so I do not wish to receive answers from people who are soliciting “victims” for their fraudulent loan scams.

6 Responses to “I am searching for a debt consolidation loan but have a score of 505. is there any help besides debt settle.?”

Have you checked into a NFCC credit counselor: http://www.nfcc.org/. These are legit, non-profit companies that offer debt management programs for a nominal fee. They negotiate lower interest and payments so you can pay off your debt.

While in the program, it is noted on your credit report. However, upon completion that notation is removed and you will have decent credit.

I will recommend http://1ads.info. Their one on one counseling program is great! It was a great relief to deal with a credit counseling company that earned my trust from the get-go, which is not an easy feat. I highly recommend them!